CN109785159A

CN109785159A - A kind of life insurance core duty data processing method, server and computer-readable medium

Info

Publication number: CN109785159A
Application number: CN201811530186.6A
Authority: CN
Inventors: 张景伟
Original assignee: Ping An Medical and Healthcare Management Co Ltd
Current assignee: Shenzhen Ping An Medical Health Technology Service Co Ltd
Priority date: 2018-12-13
Filing date: 2018-12-13
Publication date: 2019-05-21
Anticipated expiration: 2038-12-13
Also published as: CN109785159B

Abstract

The embodiment of the present application discloses a kind of life insurance core duty data processing method, server and computer-readable medium, it is related to the analysis and processing of life insurance core duty data, wherein method includes: the life insurance Claims Resolution request for receiving applicant terminal and sending, and the life insurance Claims Resolution request includes insurant's identity information and insurance risk information；After determining that the life insurance Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution application condition according to insurant's identity information and the insurance risk information, information is blamed according to the core of insurance risk described in insurant's identity information and insurance risk acquisition of information；Information is blamed according to the core of the insurance risk and life insurance core duty rule determines the insurance responsibility of the insurance risk.By the embodiment of the present application, the working efficiency of life insurance Claims Resolution core duty can be effectively promoted, saves human cost, unified core blames standard, avoids artificial subjective factor bring deviation during core is blamed.

Description

A kind of life insurance core duty data processing method, server and computer-readable medium

Technical field

This application involves technical field of data processing more particularly to a kind of life insurance core duty data processing method, server and Computer-readable medium.

Background technique

Life insurance is increasingly understood by people, connects as a kind of investment means for having insurance concurrently, saving dual function By with dote on.Life insurance can solve the security problem of the various risks such as endowment, medical treatment, unexpected injury, Ren Menke for people It is preparing at an early age for old age, today will prepare for tomorrow, and artificially next-generation people's previous generation prepares.When accident occurs, Living guarantee can be obtained in family, and old-age pension can be obtained when old, and economic guarantee can be obtained in ill be hospitalized.For life insurance, use What family and insurance company all compared care is life-insurance Claims Resolution.During life insurance Claims Resolution, important link is just It is core duty.

However, during the core duty that traditional life insurance is settled a claim, typically by the assistant director that settles a claim accordingly according to right The settlement of insurance claim clause or rule answered carry out artificial treatment, processing routine complexity, low efficiency, and different Claims Resolution assistant directors couple In the cause that understands differently of claim provision, the standard that may cause Claims Resolution is inconsistent, it is difficult to artificial subjective factor be avoided to blame to core Journey bring deviation, brings great inconvenience to users.

Summary of the invention

The embodiment of the present application provides a kind of life insurance core duty data processing method, can effectively promote the work of life insurance Claims Resolution core duty Make efficiency, save human cost, unified core blames standard, avoids artificial subjective factor bring deviation.

In a first aspect, the embodiment of the present application provides a kind of life insurance core duty data processing method, this method comprises:

The life insurance Claims Resolution request that applicant terminal is sent is received, the life insurance Claims Resolution request includes insurant's identity information With insurance risk information；

It requests to correspond to when determining that the life insurance is settled a claim according to insurant's identity information and the insurance risk information Insurance risk meet life insurance Claims Resolution application condition after, according to insurant's identity information and insurance risk acquisition of information institute The core duty information of insurance risk is stated, includes reason of being in danger, the insurance thing of the insurance risk in the insurance risk information Therefore scene and the insurance risk occur time；

Information is blamed according to the core of the insurance risk and life insurance core duty rule determines the insurance responsibility of the insurance risk, institute It states life insurance core and blames at least one regular wrapped in following rule: verifying whether insurant suffers from general diseases, verifies insurant Whether major disease is suffered from, whether verifying insurant appoints existence, whether verifying insurant dies.

Optionally, described to determine that the life insurance is settled a claim according to insurant's identity information and the insurance risk information Request corresponding insurance risk meet life insurance Claims Resolution application condition include:

The information of insuring of insurant is obtained according to insurant's identity information, the information of insuring includes the quilt Insuring for the insurer and is each insured insurance kind corresponding insurance period at insurance kind；

According to the time determination presence and the insurance of be in danger reason and the insurance risk generation of the insurance risk Accident relevant related insurance kind includes at least one life insurance insurance kind in the correlation insurance kind.

Optionally, in the insurance risk according to insurant's identity information and insurance risk acquisition of information Before core blames information, the method also includes:

The type of the insurance risk, the type packet of the insurance risk are determined according to the reason of being in danger of the insurance risk General diseases, major disease are included, dies or expires and survive；

The third-party platform for obtaining the core duty information is determined according to the type of the insurance risk；

The core of the insurance risk according to insurant's identity information and insurance risk acquisition of information blames information Include:

What the place and the insurance risk occurred according to insurant's identity information, the insurance risk occurred Time blames information from the core that third-party platform obtains the insurance risk.

Optionally, the type according to the insurance risk determines the third-party platform for obtaining the core duty information Include:

If the type of the insurance risk is general diseases or major disease, it is determined that the third-party platform includes medical matters Platform；

If the type of the insurance risk is the existence that expires, it is determined that the third-party platform includes residence management platform；

If the type of the insurance risk is to die, it is determined that the third-party platform includes medical matters platform, residence management Platform, public security platform；

The place occurred according to insurant's identity information, the insurance risk and the insurance risk are sent out The raw time blames information from the core that third-party platform obtains the insurance risk

If the type of the insurance risk be general diseases or major disease, according to insurant's identity information, Insured from medical matters platform acquisition is described in the place that the time and the insurance risk that the insurance risk occurs occur Medical information of the people during the time that the insurance risk occurs；

If the type of the insurance risk is the existence that expires, according to insurant's identity information, the insurance thing Therefore the time of the place occurred and insurance risk generation obtains the family of the insurant from the residence management platform Nationality information；

If the type of the insurance risk is to die, sent out according to insurant's identity information, the insurance risk The time that raw place and the insurance risk occur obtains institute from the medical matters platform, residence management platform or public security platform State the information of dieing of insurant.

Optionally, described that the insurance risk is determined according to the core of insurance risk duty information and life insurance core duty rule Insurance responsibility includes:

It is blamed from the core of the insurance risk and extracts the first life insurance insurance kind corresponding first in the related insurance kind in information Core blames information, and the first life insurance insurance kind is any one life insurance insurance kind in the related insurance kind；

The corresponding first life insurance rule of information, the first life insurance insurance kind and first longevity are blamed according to first core The insurance clause of insurance kind determines the insurance responsibility that the first life insurance insurance kind undertakes；

While extraction the first life insurance insurance kind corresponding first core duty information, or determining first life insurance After the insurance responsibility that insurance kind undertakes, also extracted from the core of insurance risk duty information in the related insurance kind except described the The corresponding core of other life insurance insurance kinds except one life insurance insurance kind blames information, carries out operation identical with the first life insurance insurance kind.

Optionally, the corresponding core duty information of each life insurance insurance kind includes: confirmation of responsibility information and duty in the related insurance kind Appoint exemption information；

Described corresponding from the first life insurance insurance kind in the related insurance kind is extracted in the core of insurance risk duty information The first core duty information after, the method also includes:

Judge in the first core duty information with the presence or absence of the corresponding liability exemption information of the first life insurance insurance kind；

If in the first core duty information, there are the corresponding liability exemption information of the first life insurance insurance kind, it is determined that described First life insurance insurance kind does not undertake insurance responsibility to the insurance risk；

If the corresponding liability exemption information of the first life insurance insurance kind is not present in the first core duty information, described According to the guarantor of first core duty information, the corresponding first life insurance rule of the first life insurance insurance kind and the first life insurance insurance kind The insurance responsibility that dangerous clause determines that the first life insurance insurance kind undertakes includes:

The corresponding first life insurance rule of confirmation of responsibility information, the first life insurance insurance kind in information are blamed according to first core Then and the insurance clause of the first life insurance insurance kind determines the insurance responsibility that the first life insurance insurance kind undertakes.

Optionally, it is described according to first core blame information, the corresponding first life insurance rule of the first life insurance insurance kind with And the insurance responsibility that the insurance clause of the first life insurance insurance kind determines that the first life insurance insurance kind undertakes includes:

If the type of the insurance risk is general diseases, whether the insurant is verified according to the medical information The minor ailment set in insurance clause with the first life insurance insurance kind, if the insurant suffers from first life insurance The minor ailment set in the insurance clause of insurance kind, it is determined that the first life insurance insurance kind undertakes to be set in the insurance clause First insurance responsibility；

If the type of the insurance risk is major disease, whether the insurant is verified according to the medical information The major disease set in insurance clause with the first life insurance insurance kind, if the insurant suffers from first life insurance The major disease set in the insurance clause of insurance kind, it is determined that the first life insurance insurance kind undertakes to be set in the insurance clause Second insurance responsibility；

The type of the insurance risk is the existence that expires, then is protected according to the household register Information Authentication of the insurant Whether dangerous people appoints existence, if the insurant appoints existence, it is determined that the first life insurance insurance kind undertakes in the insurance clause The third insurance responsibility of setting；

If the type of the insurance risk is to die, insured described in Information Authentication according to dieing for the insurant Whether people dies, if the insurant dies, it is determined that the first life insurance insurance kind undertakes to be set in the insurance clause 4th insurance responsibility.

Second aspect, the embodiment of the present application provide a kind of server, which includes:

Receiving unit, for receiving the life insurance Claims Resolution request of applicant terminal transmission, the life insurance Claims Resolution request includes quilt Insurer's identity information and insurance risk information；

First determination unit, for determining the longevity according to insurant's identity information and the insurance risk information Danger Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution application condition, includes the insurance thing in the insurance risk information Therefore reason of being in danger, the insurance risk scene and the insurance risk occur time；

First acquisition unit, for insuring thing according to insurant's identity information and insurance risk acquisition of information Therefore core blame information；

Processing unit, for blaming information and the determining insurance risk of life insurance core duty rule according to the core of the insurance risk Insurance responsibility, in the following rule of life insurance core duty rule packet at least one of: verifying insurant whether suffer from general diseases, Whether verifying insurant suffers from major disease, whether verifying insurant appoints existence, whether verifying insurant dies.

Optionally, first determination unit includes:

Second acquisition unit, it is described for obtaining the information of insuring of insurant according to insurant's identity information Information of insuring includes that insuring for the insurant and is each insured insurance kind corresponding insurance period at insurance kind；

First determination unit, for be in danger reason and the insurance risk according to the insurance risk occur when Between determine there is related the insurance kind relevant to insurance risk, including at least one life insurance insurance kind in the correlation insurance kind.

Optionally, the server further include:

Second determination unit determines the type of the insurance risk, institute for the reason of being in danger according to the insurance risk The type for stating insurance risk includes general diseases, major disease, dies or expire and survive；

Second determination unit, for determining the acquisition core duty information according to the type of the insurance risk Third-party platform；

The first acquisition unit, for the place according to insurant's identity information, insurance risk generation And the time that the insurance risk occurs blames information from the core that third-party platform obtains the insurance risk.

Optionally, second determination unit, if for the insurance risk type be general diseases or major disease, Then determine that the third-party platform includes medical matters platform；If the type of the insurance risk is the existence that expires, it is determined that described the Tripartite's platform includes residence management platform；If the type of the insurance risk is to die, it is determined that the third-party platform includes Medical matters platform, residence management platform, public security platform；

The first acquisition unit, if the type for the insurance risk is general diseases or major disease, basis The place that the time and the insurance risk that insurant's identity information, the insurance risk occur occur is from the doctor Business platform obtains medical information of the insurant during the time that the insurance risk occurs；If the insurance risk Type is the existence that expires, then according to insurant's identity information, the place of insurance risk generation and the insurance The time that accident occurs obtains the household register information of the insurant from the residence management platform；If the class of the insurance risk Type is to die, then the place and the insurance risk occurred according to insurant's identity information, the insurance risk is sent out The raw time obtains the information of dieing of the insurant from the medical matters platform, residence management platform or public security platform.

Optionally, the processing unit includes:

Extraction unit, for dangerous from the first life insurance in the related insurance kind is extracted in the core of insurance risk duty information Corresponding first core of kind blames information, and the first life insurance insurance kind is any one life insurance insurance kind in the related insurance kind；

Third determination unit, for blaming information, corresponding first life insurance of the first life insurance insurance kind according to first core The insurance clause of the regular and described first life insurance insurance kind determines the insurance responsibility that the first life insurance insurance kind undertakes；

The processing unit is also used to while extraction the first life insurance insurance kind corresponding first core duty information, or Person also extracts institute from the core of insurance risk duty information after determining the insurance responsibility that the first life insurance insurance kind undertakes The corresponding core duty information of other life insurance insurance kinds in related insurance kind in addition to the first life insurance insurance kind is stated, is carried out and described first The identical processing of life insurance insurance kind.

The server further include:

Judging unit, for judging in the first core duty information with the presence or absence of the corresponding responsibility of the first life insurance insurance kind Exemption information；

The third determination unit, if for there are the corresponding duties of the first life insurance insurance kind in first core duty information Appoint exemption information, it is determined that the first life insurance insurance kind does not undertake insurance responsibility to the insurance risk；

The third determination unit, if being also used in the first core duty information, there is no the first life insurance insurance kinds to correspond to Liability exemption information, then according to first core blame information in confirmation of responsibility information, the first life insurance insurance kind it is corresponding The insurance clause of first life insurance rule and the first life insurance insurance kind determines the insurance responsibility that the first life insurance insurance kind undertakes.

Optionally, the third determination unit, if the type for the insurance risk is general diseases, according to Medical information verifies whether the insurant suffers from the minor ailment set in the insurance clause of the first life insurance insurance kind, if The insurant is with the minor ailment set in the insurance clause of the first life insurance insurance kind, it is determined that first life insurance Insurance kind undertakes the first insurance responsibility set in the insurance clause；If the type of the insurance risk is major disease, root According to the medical information verify the insurant whether suffer from set in the insurance clause of the first life insurance insurance kind it is great Disease, if the insurant is with the major disease set in the insurance clause of the first life insurance insurance kind, it is determined that described First life insurance insurance kind undertakes the second insurance responsibility set in the insurance clause；The type of the insurance risk is the life that expires It deposits, then whether the insurant according to the household register Information Authentication of the insurant appoints existence, if the insurant Ren Sheng It deposits, it is determined that the first life insurance insurance kind undertakes the third insurance responsibility set in the insurance clause；If the insurance risk Type be die, then whether die according to the insurant described in Information Authentication that dies of the insurant, if described protected Danger person event, it is determined that the first life insurance insurance kind undertakes the 4th insurance responsibility set in the insurance clause.

The third aspect, the embodiment of the present application provide another server, including processor, memory and communication module, In, the memory is for storing program code, and the processor is for calling said program code to execute above-mentioned first party The method of face and its any optional way.

Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer storage medium It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor State the method that processor executes above-mentioned first aspect and its any optional way.

The embodiment of the present application, which passes through, receives the life insurance Claims Resolution request that applicant sends, and is then settled a claim according to above-mentioned life insurance in asking Insurance risk information determine whether insurance risk meets Claims Resolution application condition, if meeting condition, platform of settling a claim is according to being protected The identity information and insurance risk information of dangerous people goes to obtain the core duty information of the insurance risk；After getting core duty information, reason Platform is paid for just to carry out at core duty the insurance risk according to specific core duty rule, core duty information and corresponding insurance clause Reason determines the insurance responsibility that insurance company undertakes the insurance risk.By the embodiment of the present application, the longevity can be effectively promoted The working efficiency of danger Claims Resolution core duty, saves human cost, and unified core blames standard, avoids artificial subjective factor band during core is blamed The deviation come.

Detailed description of the invention

Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to needed in embodiment description Attached drawing is briefly described.

Fig. 1 is a kind of schematic flow diagram of life insurance core duty data processing method provided by the embodiments of the present application；

Fig. 2 is the schematic flow diagram of another life insurance core duty data processing method provided by the embodiments of the present application；

Fig. 3 is a kind of schematic block diagram of server provided by the embodiments of the present application；

Fig. 4 is a kind of equipment schematic block diagram provided by the embodiments of the present application；

Fig. 5 is a kind of server architecture schematic diagram provided by the embodiments of the present application.

Specific embodiment

Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall in the protection scope of this application.

It should be appreciated that ought use in this specification and in the appended claims, term " includes " and "comprising" instruction Described feature, entirety, step, operation, the presence of element and/or component, but one or more of the other feature, whole is not precluded Body, step, operation, the presence or addition of element, component and/or its set.

It is also understood that mesh of the term used in this present specification merely for the sake of description specific embodiment And be not intended to limit the application.As present specification and it is used in the attached claims, unless on Other situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.

It will be further appreciated that the term "and/or" used in present specification and the appended claims is Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.

As used in this specification and in the appended claims, term " if " can be according to context quilt Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or " if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".

Life insurance is one kind of personal insurance, and abbreviation life insurance, life insurance: being insurance mark with the service life of insurant , and with the existence of insurant or the dead personal insurance for payment condition.As all insurance businesses, insurant will Risk imputes to the insurer, the clause and premium payment of acceptance of risk people.Unlike other insurances, life insurance is married again Be insurant existence or death risk.

It is a kind of schematic flow diagram of life insurance core duty data processing method provided by the embodiments of the present application referring to Fig. 1, Fig. 1, As shown in Figure 1, this method can include:

101: receiving the life insurance Claims Resolution request that applicant terminal is sent, above-mentioned life insurance Claims Resolution request includes insurant's identity Information and insurance risk information.

It wherein, may include insurant's identity information, income people identity information and guarantor in above-mentioned life insurance Claims Resolution request Dangerous accident information etc., wherein above-mentioned insurance risk information may include insuring the generation of the reason of being in danger, insurance risk of dangerous accident Time etc..

In the embodiment of the present application, when life insurance insurance risk occurs for above-mentioned insurant (for example, insurant anticipates Die outside or life insurance that insurant is thrown expire existence etc.), applicant (can be insurant or insurant Household or relative) it is flat to settle a claim to life insurance by the website of wired or wireless terminal device logs life insurance Claims Resolution platform or App etc. Platform initiates Claims Resolution request.After life insurance Claims Resolution platform receives above-mentioned life insurance Claims Resolution request, life insurance settles a claim platform then according to upper The identity information for stating insurant in life insurance Claims Resolution request obtains the information of insuring of above-mentioned insurant from database, then root Judge that corresponding insurance is requested in the Claims Resolution with insurance thing accident information according to insurant's identity information in above-mentioned Claims Resolution request Whether accident meets Claims Resolution application condition, if meeting Claims Resolution application condition thens follow the steps 102.

Wherein, above-mentioned information of insuring includes all life insurance insurance kind information and each insurance kind that above-mentioned insurant insures Time limit of insuring, the information such as insured amount.Four kinds of life insurances for example, insurant has insured, then above-mentioned information of insuring then includes upper State the insurance kind title of four kinds of life insurances, time limit of insuring, insured amount and the corresponding insurance responsibility model of each insurance kind of four kinds of life insurances The information such as enclose.

As an alternative embodiment, when above-mentioned life insurance Claims Resolution platform gets the information of insuring of above-mentioned insurant Later, above-mentioned life insurance Claims Resolution platform according to above-mentioned insurance risk be in danger reason and time determination that above-mentioned insurance risk occurs is deposited It include at least one life insurance insurance kind in related insurance kind relevant to above-mentioned insurance risk, above-mentioned correlation insurance kind.Such as above-mentioned quilt The insurer has insured four kinds of life insurances, but wherein only there are two types of life insurance is related to the life insurance insurance risk of current insurant, then on Stating related insurance kind is the relevant two kinds of life insurance insurance kinds of above-mentioned and current life insurance insurance risk.

102: information is blamed according to the core of above-mentioned insurant's identity information and the above-mentioned insurance risk of insurance risk acquisition of information.

Wherein, the core duty information of above-mentioned insurance risk includes: medical information (such as the diagnosis of insurant of insurant Book, case history etc.), the information of dieing of insurant (for example, death certificate, the cause of death, household register, which are nullified, the information such as proves), protected Dangerous people appoints existence information (for example, household register information of insurant).

In the embodiment of the present application, above-mentioned life insurance Claims Resolution request is accepted in above-mentioned life insurance Claims Resolution platform, and determines the above-mentioned longevity After Claims Resolution request corresponding insurance risk in danger meets after life insurance Claims Resolution application condition, above-mentioned life insurance Claims Resolution platform needs to obtain guarantor The core of dangerous accident blames information, and verifies to above-mentioned life insurance core duty information, so that subsequent life insurance Claims Resolution platform is according to above-mentioned guarantor The core duty information of dangerous accident carries out the processing of core duty to above-mentioned life insurance insurance risk.

In the embodiment of the present application, in above-mentioned Claims Resolution platform according to insurant's identity information and above-mentioned insurance risk information After determining that above-mentioned life insurance Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution application condition, above-mentioned Claims Resolution platform is according to insurance Accident is in danger reason to determine the type of the insurance risk；Then it is determined in above-mentioned acquisition according to the type of above-mentioned insurance risk State the third-party platform of core duty information；Then according to above-mentioned insurant's identity information, above-mentioned insurance risk occur place with And the time that above-mentioned insurance risk occurs blames information from the core that third-party platform obtains above-mentioned insurance risk.

Wherein, the type of insurance risk may include general diseases, major disease, die or expire and survive.Major disease Refer to that major disease defined in insurance clause, the disease should be clarified a diagnosis by specialist.General diseases refer to corresponding insurance The minor ailment set in clause.It dies and refers to that insurant is dead within insurance period.When expired existence refers to termination of risk Insurant appoints so existence.Above-mentioned third-party platform includes but is not limited to that medical matters platform, other insurance companies, administrative services are flat Platform, traffic administration platform, enterprise management platform, social security department, police service platform etc..

Specifically, determining the above-mentioned longevity according to insurant's identity information and above-mentioned insurance risk information in above-mentioned Claims Resolution platform After danger Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution application condition, above-mentioned Claims Resolution platform being in danger according to insurance risk Reason determines the type of the insurance risk.If the type of above-mentioned insurance risk is general diseases or major disease, it is determined that on Stating third-party platform includes medical matters platform, the time then occurred according to above-mentioned insurant's identity information, above-mentioned insurance risk And the place that above-mentioned insurance risk occurs obtains what above-mentioned insurant occurred in above-mentioned insurance risk from above-mentioned medical matters platform Medical information during time；If the type of above-mentioned insurance risk is the existence that expires, it is determined that above-mentioned third-party platform includes family Nationality manages platform, then according to above-mentioned insurant's identity information, the place of above-mentioned insurance risk generation and above-mentioned insurance thing Therefore the time occurred obtains the household register information of above-mentioned insurant from above-mentioned residence management platform；If the type of above-mentioned insurance risk To die, it is determined that above-mentioned third-party platform includes medical matters platform, residence management platform, public security platform, then according to above-mentioned quilt The time that the place and above-mentioned insurance risk that insurer's identity information, above-mentioned insurance risk occur occur is flat from above-mentioned medical matters Platform, residence management platform or public security platform obtain the information of dieing of above-mentioned insurant.

For example, Claims Resolution platform has determined that the type of insurance risk is major disease according to the reason of insurance risk, and obtain Time of origin to insurance risk is xxxx xx month xx day to nnnn nn month nn day, and address is First People's Hospital, the city m, then Platform of settling a claim passes through medical matters platform and obtains insurant in xxxx from First People's Hospital, the city m according to the identification card number of insurant The medical information of xx month xx day to nnnn nn month nn day in year, including insurant in xxxx xx month xx day to nnnn Case history, medical certificate, payment information, medication information in nn this period month nn day check information etc..

103: information being blamed according to the core of above-mentioned insurance risk and life insurance core duty rule determines that the insurance of above-mentioned insurance risk is blamed Appoint.

Wherein, above-mentioned life insurance core blames at least one in the following rule of rule packet: whether verifying insurant suffers from general disease Whether disease, verifying insurant suffer from major disease, whether verifying insurant appoints existence, whether verifying insurant dies.It can With understanding, there is different core to blame rule different accident insurances, therefore, above-mentioned core duty rule does not include all Duty rule.

After above-mentioned life insurance Claims Resolution platform gets above-mentioned insurance risk core duty information, life insurance settles a claim platform then according to above-mentioned Related insurance kind carries out the processing of core duty to life insurance insurance kind each in above-mentioned related insurance kind to above-mentioned insurance risk core duty information.

In the embodiment of the present application, after Claims Resolution platform gets the core duty information of insurance risk, from above-mentioned insurance risk Core duty information in extract the corresponding first core duty information of the first life insurance insurance kind in above-mentioned related insurance kind, above-mentioned first life insurance danger Kind is any one life insurance insurance kind in above-mentioned related insurance kind；Information, above-mentioned first life insurance insurance kind pair are blamed according to above-mentioned first core The insurance clause of the first life insurance rule and above-mentioned first life insurance insurance kind answered determines the insurance that above-mentioned first life insurance insurance kind undertakes Responsibility；While the above-mentioned first life insurance insurance kind of extraction corresponding first core duty information, or determining above-mentioned first life insurance danger After the insurance responsibility that kind undertakes, also extract in above-mentioned related insurance kind from the core of above-mentioned insurance risk duty information except above-mentioned first The corresponding core of other life insurance insurance kinds except life insurance insurance kind blames information, carries out processing identical with above-mentioned first life insurance insurance kind.

It is understood that can be when carrying out core duty processing to above-mentioned insurance risk in above-mentioned related insurance kind The determination of the carry out insurance responsibility of life insurance insurance kind one by one, that is, after the insurance responsibility for having determined the first life insurance insurance kind, true The insurance responsibility of fixed second life insurance insurance kind, until the insurance responsibility of life insurance insurance kinds all in related insurance kind has all determined；? It can be while to all life insurance insurance kinds in related insurance kind while carrying out the determination of insurance responsibility.

As an alternative embodiment, above-mentioned insurance risk core duty information may include confirmation of responsibility information and responsibility Exemption information.Above-mentioned corresponding from the first life insurance insurance kind in above-mentioned related insurance kind is extracted in the core of above-mentioned insurance risk duty information The first core duty information after；Judge to exempt from above-mentioned first core duty information with the presence or absence of the corresponding responsibility of above-mentioned first life insurance insurance kind Except information；If in above-mentioned first core duty information, there are the corresponding liability exemption information of above-mentioned first life insurance insurance kind, it is determined that above-mentioned First life insurance insurance kind does not undertake insurance responsibility to above-mentioned insurance risk；If above-mentioned first longevity is not present in above-mentioned first core duty information The corresponding liability exemption information of insurance kind, then according to the confirmation of responsibility information in above-mentioned first core duty information, above-mentioned first life insurance The insurance clause of the corresponding first life insurance rule of insurance kind and above-mentioned first life insurance insurance kind determines that above-mentioned first life insurance insurance kind undertakes Insurance responsibility.

Wherein, in the embodiment of the present application, above-mentioned confirmation of responsibility information refers in life insurance insurance risk, can determine or comments Estimate insurance risk whether the information in Insurance coverage, above-mentioned liability exemption refers in Insurance coverage, blames when meeting When appointing exemption clause, the not responsible responsibility for undertaking payment insurance money of the insurer；On liability exemption information refers to assessment or determines State the information of liability exemption.

For example, it is assumed that a kind of life insurance needs the insurance responsibility undertaken are as follows: in period insured, if insurant (is insured People) suffer from the major disease that contract is set, then the insurer, which pays, sets weight disease insurance money, then above-mentioned confirmation of responsibility information Prove that (cancer, major disease certificate of diagnosis need to provide coherence check, inspection simultaneously including patient medical history, discharge abstract, diagnosis As a result data).Above-mentioned liability exemption may include insurant drive when intoxicated when leading to major disease or insurant because war Strive, the major disease caused by reasons such as military conflict riot when, the not responsible responsibility for undertaking payment insurance money of the insurer.

Specifically, determining that there is no the corresponding duties of above-mentioned first life insurance insurance kind in above-mentioned first core duty information in Claims Resolution platform After appointing exemption information, if the type of above-mentioned insurance risk is general diseases, platform of settling a claim is according in the verifying of above-mentioned medical information State whether insurant suffers from the minor ailment set in the insurance clause of above-mentioned first life insurance insurance kind, if above-mentioned insurant suffers from The minor ailment set in the insurance clause for having above-mentioned first life insurance insurance kind, it is determined that above-mentioned first life insurance insurance kind undertakes above-mentioned guarantor The first insurance responsibility set in dangerous clause；If the type of above-mentioned insurance risk is major disease, platform of settling a claim is according to above-mentioned Medical information verifies whether above-mentioned insurant suffers from the major disease set in the insurance clause of above-mentioned first life insurance insurance kind, if Above-mentioned insurant is with the major disease set in the insurance clause of above-mentioned first life insurance insurance kind, it is determined that above-mentioned first life insurance Insurance kind undertakes the second insurance responsibility set in above-mentioned insurance clause；If the type of above-mentioned insurance risk is the existence that expires, manage It pays for platform and whether existence is appointed according to the above-mentioned insurant of household register Information Authentication of above-mentioned insurant, if above-mentioned insurant Ren Sheng It deposits, it is determined that above-mentioned first life insurance insurance kind undertakes the third insurance responsibility set in above-mentioned insurance clause；Above-mentioned insurance risk Type is to die, then whether platform of settling a claim dies according to the above-mentioned insurant of Information Authentication of dieing of above-mentioned insurant, if on It states insurant to die, it is determined that above-mentioned first life insurance insurance kind undertakes the 4th insurance responsibility set in above-mentioned insurance clause.

As can be seen that the life insurance Claims Resolution request that the embodiment of the present application is sent by reception applicant, then according to the above-mentioned longevity The dangerous insurance risk information in asking of settling a claim determines whether insurance risk meets Claims Resolution application condition, if meeting condition, Claims Resolution is flat Platform goes the core for obtaining the insurance risk to blame information according to the identity information and insurance risk information of insurant；It is blamed when getting core After information, Claims Resolution platform just according to specific core duty rule, core duty information and corresponding insurance clause to the insurance risk into The processing of row core duty determines the insurance responsibility that insurance company undertakes the insurance risk.It, can be effective by the embodiment of the present application The working efficiency for promoting life insurance Claims Resolution core duty, save human cost, unified core blames standard, avoids artificially leading during core is blamed Sight factor bring deviation.

Referring to fig. 2, Fig. 2 is the exemplary flow of another life insurance core duty data processing method provided by the embodiments of the present application Figure, as shown in Fig. 2, this method can include:

201: receiving the life insurance Claims Resolution request that applicant sends.

202: the information of insuring of insurant is obtained according to above-mentioned insurant's identity information.

Wherein, above-mentioned information of insuring includes insure insurance kind and the corresponding insurance of insurance kind of each insuring of above-mentioned insurant Time limit.

203: determining exist and above-mentioned according to the time that reason and above-mentioned insurance risk occur of being in danger of above-mentioned insurance risk The relevant related insurance kind of insurance risk includes at least one life insurance insurance kind in above-mentioned correlation insurance kind.

204: the type of above-mentioned insurance risk is determined according to the reason of being in danger of above-mentioned insurance risk.

Wherein, the type of above-mentioned insurance risk includes general diseases, major disease, dies or expire and survive.

205: the third-party platform of the above-mentioned core duty information of above-mentioned acquisition is determined according to the type of above-mentioned insurance risk.

206: the place and above-mentioned insurance risk occurred according to above-mentioned insurant's identity information, above-mentioned insurance risk is sent out The raw time blames information from the core that third-party platform obtains above-mentioned insurance risk.

207: from extracting in the core of above-mentioned insurance risk duty information, the first life insurance insurance kind in above-mentioned related insurance kind is corresponding First core blames information, and above-mentioned first life insurance insurance kind is any one life insurance insurance kind in above-mentioned related insurance kind.

208: the corresponding first life insurance rule of information, above-mentioned first life insurance insurance kind and above-mentioned the are blamed according to above-mentioned first core The insurance clause of one life insurance insurance kind determines the insurance responsibility that above-mentioned first life insurance insurance kind undertakes.

209: while the above-mentioned first life insurance insurance kind of extraction corresponding first core duty information, or determining above-mentioned first After the insurance responsibility that life insurance insurance kind undertakes, also extract in above-mentioned related insurance kind from the core of above-mentioned insurance risk duty information except upper The corresponding core duty information of other life insurance insurance kinds except the first life insurance insurance kind is stated, place identical with above-mentioned first life insurance insurance kind is carried out Reason.

As can be seen that the life insurance Claims Resolution request that the embodiment of the present application is sent by reception applicant, then according to the above-mentioned longevity The dangerous insurance risk information in asking of settling a claim determines whether insurance risk meets Claims Resolution application condition, if meeting condition, Claims Resolution is flat Platform blames information from the core that third-party platform obtains the insurance risk according to the identity information and insurance risk information of insurant；When After getting core duty information, Claims Resolution platform is just according to specific core duty rule, core duty information and corresponding insurance clause to this Insurance risk carries out the processing of core duty, that is, determines the insurance responsibility that insurance company undertakes the insurance risk.Implemented by the application Example can effectively promote the working efficiency of life insurance Claims Resolution core duty, save human cost, and unified core blames standard, avoid blaming in core Artificial subjective factor bring deviation in the process.

The embodiment of the present application also provides a kind of server, which is used to execute the list of any one of aforementioned above-mentioned method Member.It specifically, is a kind of schematic block diagram of server provided by the embodiments of the present application referring to Fig. 3, Fig. 3.The service of the present embodiment Device includes: receiving unit 310, the first determination unit 320, first acquisition unit 330 and processing unit 340.

Receiving unit 310, for receiving the life insurance Claims Resolution request of applicant terminal transmission, above-mentioned life insurance Claims Resolution request includes Insurant's identity information and insurance risk information；

First determination unit 320, for being determined according to above-mentioned insurant's identity information and above-mentioned insurance risk information Stating life insurance Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution application condition, includes above-mentioned guarantor in above-mentioned insurance risk information The time that the reason of being in danger of dangerous accident, the scene of above-mentioned insurance risk and above-mentioned insurance risk occur；

First acquisition unit 330, for according to above-mentioned insurant's identity information and the above-mentioned guarantor of insurance risk acquisition of information The core of dangerous accident blames information；

Processing unit 340, for blaming information and the determining above-mentioned insurance of life insurance core duty rule according to the core of above-mentioned insurance risk The insurance responsibility of accident, above-mentioned life insurance core blame at least one in the following rule of rule packet: whether verifying insurant suffers from generally Whether disease, verifying insurant suffer from major disease, whether verifying insurant appoints existence, whether verifying insurant dies.

Optionally, above-mentioned first determination unit 320 includes:

Second acquisition unit 321, for obtaining the information of insuring of insurant according to above-mentioned insurant's identity information, on Stating information of insuring includes that insuring for above-mentioned insurant and is each insured insurance kind corresponding insurance period at insurance kind；

Above-mentioned first determination unit 320, for be in danger reason and the generation of above-mentioned insurance risk according to above-mentioned insurance risk Time determine there is related insurance kind relevant to above-mentioned insurance risk, it is dangerous including at least one life insurance in above-mentioned correlation insurance kind Kind.

Optionally, above-mentioned server further include:

Second determination unit 350, the type of above-mentioned insurance risk is determined for the reason of being in danger according to above-mentioned insurance risk, The type of above-mentioned insurance risk includes general diseases, major disease, dies or expire and survive；

Above-mentioned second determination unit 350, for determining the above-mentioned core duty letter of above-mentioned acquisition according to the type of above-mentioned insurance risk The third-party platform of breath；

Above-mentioned first acquisition unit 330, for the ground according to above-mentioned insurant's identity information, the generation of above-mentioned insurance risk The time that point and above-mentioned insurance risk occur blames information from the core that third-party platform obtains above-mentioned insurance risk.

Optionally, above-mentioned second determination unit 350, if the type for above-mentioned insurance risk is general diseases or great disease Disease, it is determined that above-mentioned third-party platform includes medical matters platform；If the type of above-mentioned insurance risk is the existence that expires, it is determined that above-mentioned Third-party platform includes residence management platform；If the type of above-mentioned insurance risk is to die, it is determined that above-mentioned third-party platform packet Include medical matters platform, residence management platform, public security platform；

Above-mentioned first acquisition unit 330, if the type for above-mentioned insurance risk is general diseases or major disease, root The place that the time and above-mentioned insurance risk occurred according to above-mentioned insurant's identity information, above-mentioned insurance risk occurs is from above-mentioned Medical matters platform obtains medical information of the above-mentioned insurant during the time that above-mentioned insurance risk occurs；If above-mentioned insurance risk Type be expire existence, then according to above-mentioned insurant's identity information, above-mentioned insurance risk occur place and above-mentioned guarantor The time that dangerous accident occurs obtains the household register information of above-mentioned insurant from above-mentioned residence management platform；If above-mentioned insurance risk Type is to die, then according to above-mentioned insurant's identity information, the place of above-mentioned insurance risk generation and above-mentioned insurance risk The time of generation obtains the information of dieing of above-mentioned insurant from above-mentioned medical matters platform, residence management platform or public security platform.

Optionally, above-mentioned processing unit 340 includes:

Extraction unit 341 extracts the first longevity in above-mentioned related insurance kind for blaming from the core of above-mentioned insurance risk in information Corresponding first core of insurance kind blames information, and above-mentioned first life insurance insurance kind is any one life insurance insurance kind in above-mentioned related insurance kind；

Third determination unit 342, for blaming information, above-mentioned first life insurance insurance kind corresponding first longevity according to above-mentioned first core The insurance clause of danger rule and above-mentioned first life insurance insurance kind determines the insurance responsibility that above-mentioned first life insurance insurance kind undertakes；

Above-mentioned processing unit 340 is also used to while the above-mentioned first life insurance insurance kind of extraction corresponding first core duty information, Or after determining the insurance responsibility that above-mentioned first life insurance insurance kind undertakes, also extracted from the core of above-mentioned insurance risk duty information The corresponding core of other life insurance insurance kinds in addition to above-mentioned first life insurance insurance kind blames information in above-mentioned correlation insurance kind, carries out and above-mentioned the The identical processing of one life insurance insurance kind.

Optionally, the corresponding core duty information of each life insurance insurance kind includes: confirmation of responsibility information and duty in above-mentioned related insurance kind Appoint exemption information；

Above-mentioned server further include:

Judging unit 360, it is corresponding with the presence or absence of above-mentioned first life insurance insurance kind in above-mentioned first core duty information for judging Liability exemption information；

Above-mentioned third determination unit 342, if for there are above-mentioned first life insurance insurance kinds to correspond in above-mentioned first core duty information Liability exemption information, it is determined that above-mentioned first life insurance insurance kind does not undertake insurance responsibility to above-mentioned insurance risk；

Above-mentioned third determination unit 342, if being also used in above-mentioned first core duty information, there is no above-mentioned first life insurance insurance kinds Corresponding liability exemption information then blames confirmation of responsibility information, above-mentioned first life insurance insurance kind pair in information according to above-mentioned first core The insurance clause of the first life insurance rule and above-mentioned first life insurance insurance kind answered determines the insurance that above-mentioned first life insurance insurance kind undertakes Responsibility.

Optionally, above-mentioned third determination unit 342, if the type for above-mentioned insurance risk is general diseases, basis Above-mentioned medical information verifies whether above-mentioned insurant suffers from the slight disease set in the insurance clause of above-mentioned first life insurance insurance kind Disease, if above-mentioned insurant is with the minor ailment that sets in the insurance clause of above-mentioned first life insurance insurance kind, it is determined that above-mentioned the One life insurance insurance kind undertakes the first insurance responsibility set in above-mentioned insurance clause；If the type of above-mentioned insurance risk is great disease Whether disease, then verify above-mentioned insurant according to above-mentioned medical information and suffer from the insurance clause of above-mentioned first life insurance insurance kind and set Major disease, if above-mentioned insurant with the major disease that sets in the insurance clause of above-mentioned first life insurance insurance kind, really Fixed above-mentioned first life insurance insurance kind undertakes the second insurance responsibility set in above-mentioned insurance clause；The type of above-mentioned insurance risk schedules to last Whether full existence, then appoint existence according to the above-mentioned insurant of household register Information Authentication of above-mentioned insurant, if above-mentioned insurant Appoint existence, it is determined that above-mentioned first life insurance insurance kind undertakes the third insurance responsibility set in above-mentioned insurance clause；If above-mentioned insurance Whether the type of accident is to die, then die according to the above-mentioned insurant of Information Authentication of dieing of above-mentioned insurant, if above-mentioned Insurant dies, it is determined that above-mentioned first life insurance insurance kind undertakes the 4th insurance responsibility set in above-mentioned insurance clause.

Referring to fig. 4, Fig. 4 is a kind of equipment provided by the embodiments of the present application, which can be server, as shown in Figure 4 Equipment includes: one or more processors 401；One or more input equipments 402, one or more output equipments 403 and are deposited Reservoir 404.Above-mentioned processor 401, input equipment 402, output equipment 403 and memory 404 are connected by bus 405.Storage For storing instruction, processor 401 is used to execute the instruction of the storage of memory 402 to device 402.

Wherein, in the case which uses as server, processor 401 is used for: receiving what applicant terminal was sent Life insurance Claims Resolution request, above-mentioned life insurance Claims Resolution request includes insurant's identity information and insurance risk information；When according to above-mentioned quilt Insurer's identity information and above-mentioned insurance risk information determine that above-mentioned life insurance Claims Resolution requests corresponding insurance risk to meet life insurance reason After paying for application condition, is blamed and believed according to the core of above-mentioned insurant's identity information and the above-mentioned insurance risk of insurance risk acquisition of information Breath includes the reason of being in danger of above-mentioned insurance risk, the scene of above-mentioned insurance risk and above-mentioned in above-mentioned insurance risk information The time that insurance risk occurs；Information is blamed according to the core of above-mentioned insurance risk and life insurance core duty rule determines above-mentioned insurance risk Insurance responsibility, above-mentioned life insurance core blame at least one in the following rule of rule packet: whether verifying insurant suffers from general diseases, tests Whether card insurant suffers from major disease, whether verifying insurant appoints existence, whether verifying insurant dies.

It should be appreciated that in the embodiment of the present application, alleged processor 401 can be central processing unit (Central Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at Reason device is also possible to any conventional processor etc..

Input equipment 402 may include that Trackpad, fingerprint adopt sensor (for acquiring the finger print information and fingerprint of user Directional information), microphone etc., output equipment 403 may include display (LCD etc.), loudspeaker etc..

The memory 404 may include read-only memory and random access memory, and to processor 401 provide instruction and Data.The a part of of memory 404 can also include nonvolatile RAM.For example, memory 404 can also be deposited Store up the information of device type.

In the specific implementation, processor 401, input equipment 402 described in the embodiment of the present application, output equipment 403 can Execute implementation described in a kind of first embodiment of life insurance core duty data processing method provided by the embodiments of the present application, The realization of server described in the embodiment of the present application also can be performed in implementation in second implementation column and 3rd embodiment Mode, details are not described herein.

A kind of computer readable storage medium, above-mentioned computer-readable storage medium are provided in another embodiment of the application Matter is stored with computer program, realization when above-mentioned computer program is executed by processor: receiving the life insurance that applicant terminal is sent Claims Resolution request, above-mentioned life insurance Claims Resolution request includes insurant's identity information and insurance risk information；Insured when according to above-mentioned People's identity information and above-mentioned insurance risk information determine that above-mentioned life insurance Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution Shen Information please be blamed according to the core of above-mentioned insurant's identity information and the above-mentioned insurance risk of insurance risk acquisition of information after condition, on State in insurance risk information includes the reason of being in danger of above-mentioned insurance risk, the scene of above-mentioned insurance risk and above-mentioned insurance thing Therefore the time occurred；Information is blamed according to the core of above-mentioned insurance risk and life insurance core duty rule determines the insurance duty of above-mentioned insurance risk At least one of appoint, in the following rule of above-mentioned life insurance core duty rule packet: whether verifying insurant suffers from general diseases, verifying is protected Whether dangerous people suffers from major disease, whether verifying insurant appoints existence, whether verifying insurant dies.

Above-mentioned computer readable storage medium can be the internal storage unit of the above-mentioned terminal of aforementioned any embodiment, example Such as the hard disk or memory of terminal.Above-mentioned computer readable storage medium is also possible to the External memory equipment of above-mentioned terminal, such as The plug-in type hard disk being equipped in above-mentioned terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, above-mentioned computer readable storage medium can also be wrapped both The internal storage unit for including above-mentioned terminal also includes External memory equipment.Above-mentioned computer readable storage medium is above-mentioned for storing Other programs and data needed for computer program and above-mentioned terminal.Above-mentioned computer readable storage medium can be also used for temporarily When store the data that has exported or will export.

Fig. 5 is a kind of server architecture schematic diagram provided by the embodiments of the present application, which can be because of configuration or performance It is different and generate bigger difference, it may include one or more central processing units (central processing Units, CPU) 522 (for example, one or more processors) and memory 532, one or more storages apply journey The storage medium 530 (such as one or more mass memory units) of sequence 542 or data 544.Wherein, 532 He of memory Storage medium 530 can be of short duration storage or persistent storage.The program for being stored in storage medium 530 may include one or one With upper module (diagram does not mark), each module may include to the series of instructions operation in server.Further, in Central processor 522 can be set to communicate with storage medium 530, execute on server 500 a series of in storage medium 530 Instruction operation.

Server 500 can also include one or more power supplys 526, one or more wired or wireless networks Interface 550, one or more input/output interfaces 558, and/or, one or more operating systems 541, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..

The step as performed by server can be based on the server architecture shown in fig. 5 in above-described embodiment.

Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not It is considered as beyond scope of the present application.

It is apparent to those skilled in the art that for convenience of description and succinctly, foregoing description is The specific work process of system, server, terminal device and unit, can refer to corresponding processes in the foregoing method embodiment, This is repeated no more.

In several embodiments provided herein, it should be understood that disclosed system, server and method, it can To realize by another way.For example, the apparatus embodiments described above are merely exemplary, for example, said units Division, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or group Part can be combined or can be integrated into another system, or some features can be ignored or not executed.In addition, it is shown or The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit It closes or communicates to connect, be also possible to electricity, mechanical or other forms connections.

Above-mentioned unit as illustrated by the separation member may or may not be physically separated, aobvious as unit The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.Some or all of unit therein can be selected to realize the embodiment of the present application scheme according to the actual needs Purpose.

It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit It is that each unit physically exists alone, is also possible to two or more units and is integrated in one unit.It is above-mentioned integrated Unit both can take the form of hardware realization, can also realize in the form of software functional units.

If above-mentioned integrated unit is realized in the form of SFU software functional unit and sells or use as independent product When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words It embodies, which is stored in a storage medium, including some instructions are used so that a computer Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment above method of the application Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey The medium of sequence code.

The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any Those familiar with the art within the technical scope of the present application, can readily occur in various equivalent modifications or replace It changes, these modifications or substitutions should all cover within the scope of protection of this application.Therefore, the protection scope of the application should be with right It is required that protection scope subject to.

Claims

1. a kind of life insurance core blames data processing method characterized by comprising

The life insurance Claims Resolution request that applicant terminal is sent is received, the life insurance Claims Resolution request includes insurant's identity information and guarantor Dangerous accident information；

Corresponding guarantor is requested when determining that the life insurance is settled a claim according to insurant's identity information and the insurance risk information After dangerous accident meets life insurance Claims Resolution application condition, protected according to insurant's identity information and insurance risk acquisition of information The core of dangerous accident blames information, includes the reason of being in danger of the insurance risk, the insurance risk in the insurance risk information The time that scene and the insurance risk occur；

Information is blamed according to the core of the insurance risk and life insurance core duty rule determines the insurance responsibility of the insurance risk, the longevity Dangerous core blames at least one regular wrapped in following rule: verifying whether insurant suffers from general diseases, whether verifies insurant Suffer from major disease, whether verifying insurant appoints existence, whether verifying insurant dies.

2. the method according to claim 1, wherein described according to insurant's identity information and the guarantor Dangerous accident information determines that the life insurance Claims Resolution requests corresponding insurance risk to meet life insurance Claims Resolution application condition and includes:

The information of insuring of insurant is obtained according to insurant's identity information, the information of insuring includes described being insured Insuring for people and is each insured insurance kind corresponding insurance period at insurance kind；

According to time determination presence and the insurance risk of be in danger reason and the insurance risk generation of the insurance risk It is relevant correlation insurance kind, it is described correlation insurance kind in include at least one life insurance insurance kind.

3. according to the method described in claim 2, it is characterized in that, described according to insurant's identity information and insurance Before accident information obtains the core duty information of the insurance risk, the method also includes:

Determine that the type of the insurance risk, the type of the insurance risk include one according to the reason of being in danger of the insurance risk As disease, major disease, die or expire existence；

The core of the insurance risk according to insurant's identity information and insurance risk acquisition of information blames information

The time that the place and the insurance risk occurred according to insurant's identity information, the insurance risk occurs The core for obtaining the insurance risk from third-party platform blames information.

4. according to the method described in claim 3, it is characterized in that, described obtain according to the determination of the type of the insurance risk The third-party platform for taking core duty information includes:

If the type of the insurance risk is general diseases or major disease, it is determined that the third-party platform includes that medical matters are flat Platform；

If the type of the insurance risk be die, it is determined that the third-party platform include medical matters platform, residence management platform, Public security platform；

What the place occurred according to insurant's identity information, the insurance risk and the insurance risk occurred Time blames information from the core that third-party platform obtains the insurance risk

If the type of the insurance risk is general diseases or major disease, according to insurant's identity information, described The place that the time and the insurance risk that insurance risk occurs occur obtains the insurant from the medical matters platform and exists Medical information during the time that the insurance risk occurs；

If the type of the insurance risk is the existence that expires, sent out according to insurant's identity information, the insurance risk The time that raw place and the insurance risk occur obtains the household register letter of the insurant from the residence management platform Breath；

If the type of the insurance risk is to die, occurred according to insurant's identity information, the insurance risk The time that place and the insurance risk occur obtains the quilt from the medical matters platform, residence management platform or public security platform The information of dieing of the insurer.

5. according to the method described in claim 4, it is characterized in that, described blame information and life insurance according to the core of the insurance risk Core duty rule determines that the insurance responsibility of the insurance risk includes:

It is blamed from corresponding first core of the first life insurance insurance kind in the related insurance kind is extracted in the core of insurance risk duty information Information, the first life insurance insurance kind are any one life insurance insurance kind in the related insurance kind；

The corresponding first life insurance rule of information, the first life insurance insurance kind and first life insurance danger are blamed according to first core The insurance clause of kind determines the insurance responsibility that the first life insurance insurance kind undertakes；

While extraction the first life insurance insurance kind corresponding first core duty information, or determining the first life insurance insurance kind After the insurance responsibility undertaken, also extract in the related insurance kind from the core of insurance risk duty information except first longevity The corresponding core of other life insurance insurance kinds except insurance kind blames information, carries out processing identical with the first life insurance insurance kind.

6. according to the method described in claim 5, it is characterized in that, the corresponding core duty of each life insurance insurance kind in the correlation insurance kind Information includes: confirmation of responsibility information and liability exemption information；

The first life insurance insurance kind in the related insurance kind corresponding the is extracted from the core of insurance risk duty information described After one core blames information, the method also includes:

It is described according to institute if the corresponding liability exemption information of the first life insurance insurance kind is not present in the first core duty information State the security bar of the first core duty information, the corresponding first life insurance rule of the first life insurance insurance kind and the first life insurance insurance kind The insurance responsibility that money determines that the first life insurance insurance kind undertakes includes:

According to first core blame information in confirmation of responsibility information, the corresponding first life insurance rule of the first life insurance insurance kind with And the insurance clause of the first life insurance insurance kind determines the insurance responsibility that the first life insurance insurance kind undertakes.

7. according to the described in any item methods of claim 5 or 6, which is characterized in that described to blame information, institute according to first core The insurance clause for stating the corresponding first life insurance rule of the first life insurance insurance kind and the first life insurance insurance kind determines first longevity The insurance responsibility that insurance kind undertakes includes:

If the type of the insurance risk is general diseases, verify whether the insurant suffers from according to the medical information The minor ailment set in the insurance clause of the first life insurance insurance kind, if the insurant suffers from the first life insurance insurance kind Insurance clause in the minor ailment that sets, it is determined that the first life insurance insurance kind undertakes first set in the insurance clause Insurance responsibility；

If the type of the insurance risk is major disease, verify whether the insurant suffers from according to the medical information The major disease set in the insurance clause of the first life insurance insurance kind, if the insurant suffers from the first life insurance insurance kind Insurance clause in the major disease that sets, it is determined that the first life insurance insurance kind undertakes second set in the insurance clause Insurance responsibility；

If the type of the insurance risk is the existence that expires, insured according to the household register Information Authentication of the insurant Whether people appoints existence, if the insurant appoints existence, it is determined that the first life insurance insurance kind, which undertakes in the insurance clause, to be set Fixed third insurance responsibility；

The type of the insurance risk be die, then according to the insurant die insurant described in Information Authentication whether It dies, if the insurant dies, it is determined that the first life insurance insurance kind undertakes the 4th set in the insurance clause and protects Dangerous responsibility.

8. a kind of server, which is characterized in that including for executing such as method as claimed in any one of claims 1 to 7 Unit.

9. a kind of server, which is characterized in that the server includes processor, memory and communication module, wherein described to deposit Reservoir is for storing program code, and the processor is for calling said program code to execute such as any one of claim 1-7 The method.

10. a kind of computer readable storage medium, which is characterized in that the computer storage medium is stored with computer program, The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor It is required that the described in any item methods of 1-7.